Platte County, MO
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.38, -94.76.
Assembled 2026-10-19. Read the brief.
- 85th pct · 457th of 3,063 US counties · median $230,451
- 100th pct · 1st of 113 Missouri counties · median $221,167
- 92nd pct · 2nd of 14 counties in the Kansas City metro · median $277,202
- 41st pct · 1,796th of 3,062 US counties · median +2.9%
- 14th pct · 97th of 113 Missouri counties · median +4.5%
- 0th pct · 14th of 14 counties in the Kansas City metro · median +4.2%
- 58th pct · 569th of 1,358 US counties · median $1,506
- 91st pct · 4th of 35 Missouri counties · median $1,229
- 57th pct · 4th of 8 counties in the Kansas City metro · median $1,574
- 83rd pct · 519th of 3,221 US counties · median 8,232
- 91st pct · 11th of 115 Missouri counties · median 4,996
- 69th pct · 5th of 14 counties in the Kansas City metro · median 15,305
- 79th pct · 672nd of 3,221 US counties · median $1,039
- 92nd pct · 9th of 115 Missouri counties · median $902
- 69th pct · 5th of 14 counties in the Kansas City metro · median $1,052
- 80th pct · 600th of 3,063 US counties · median 4.2
- 91st pct · 11th of 113 Missouri counties · median 4.7
- 84th pct · 3rd of 14 counties in the Kansas City metro · median 5.5
Typical home value divided by the average annual wage of one covered job.
A percentile here is a min-max scaling of average rank: the smallest published value in the cohort is 0 and the largest is 100, and tied values share the average of the ranks they span. It is not the share of entities below the value, so 0 means smallest, not none below. Entities that did not publish the metric are outside the cohort entirely and are counted in neither the rank nor its denominator.
Home values #
Typical home $389,181 (Sep 2026), +2.2% over one year, +19.8% over five
- 85th pct · 457th of 3,063 US counties · median $230,451
- 100th pct · 1st of 113 Missouri counties · median $221,167
- 92nd pct · 2nd of 14 counties in the Kansas City metro · median $277,202
| Item | Value | Distance |
|---|---|---|
| Platte County, MO | $389,181 · +2.2% 1-yr |
Zillow Home Value Index (ZHVI), typical value of homes in the 35th to 65th percentile, smoothed and seasonally adjusted; a model estimate of value, not a sale price. Data through Zillow Research.
Rents #
Typical rent $1,603/mo (Sep 2026), +3.7% over one year; price-to-rent 20.2
- 58th pct · 569th of 1,358 US counties · median $1,506
- 91st pct · 4th of 35 Missouri counties · median $1,229
- 57th pct · 4th of 8 counties in the Kansas City metro · median $1,574
| Item | Value | Distance |
|---|---|---|
| Platte County, MO | $1,603/mo · +3.7% 1-yr |
Zillow Observed Rent Index (ZORI), smoothed, all homes and multifamily; price-to-rent = typical home / (typical rent × 12).
What the typical home costs to carry #
Principal and interest of $2,156 a month on $389,181 at 7.40%, against an average weekly wage worth $5,330 a month: 40.4% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $389,181 × 80% = $311,345, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $2,156/mo principal and interest
- wage share = payment / (avg weekly wage $1,230 × 52 / 12 = $5,330) = 40% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $389,181 / ($1,230 × 52) = 6.1
- price-to-rent = $389,181 / ($1,603 × 12) = 20.2
The wage is one covered job’s average, not a household’s income, so this is the share of a single paycheque and not a mortgage underwriting ratio.
Estimate. Principal and interest on the typical home with 20% down over 30 years at this week's Freddie Mac average rate; compared with the average weekly wage of all jobs covered by unemployment insurance in the area (BLS QCEW), which is pay per job, not household income.
Jobs & wages #
48,557 jobs at 3,352 employers (2026 Q1); +0.9% jobs and +2.0% average weekly wage over the year
- 83rd pct · 519th of 3,221 US counties · median 8,232
- 91st pct · 11th of 115 Missouri counties · median 4,996
- 69th pct · 5th of 14 counties in the Kansas City metro · median 15,305
| Item | Value | Distance |
|---|---|---|
| Platte County, MO | 48,557 jobs · $1,230/wk · +0.9% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 6,687 | $763 | 1.41 | -1.4% |
| Accommodation and food services | 5,888 | $528 | 1.35 | -1.9% |
| Health care and social assistance | 4,764 | $1,265 | 0.65 | -0.3% |
| Transportation and warehousing | 4,676 | $1,235 | 2.28 | -1.3% |
| Wholesale trade | 3,439 | $2,140 | 1.85 | +0.0% |
| Manufacturing | 3,023 | $1,323 | 0.77 | -6.1% |
| Administrative and waste services | 2,736 | $1,244 | 0.99 | +8.3% |
| Professional and technical services | 1,934 | $2,004 | 0.58 | +0.3% |
| Arts, entertainment and recreation | 1,584 | $846 | 1.98 | +2.1% |
| Other services | 1,386 | $860 | 0.96 | +8.2% |
| Finance and insurance | 1,348 | $2,141 | 0.68 | +0.1% |
| Real estate and rental | 1,023 | $970 | 1.37 | +3.9% |
BLS Quarterly Census of Employment and Wages, all ownerships, total covered employment in the quarter's third month; over-the-year changes as published. Suppressed cells stay blank.
Drought #
No drought class at this point (USDM covers the United States only)
Sites found: 5, searched within 0 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 0 km away are not.
US Drought Monitor current week; the highest class of any polygon containing the point.
Reservoirs #
Surface water layer not loaded
Sites found: 0, searched within 150 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 150 km away are not.
Σ(capacity × percent full) / Σ capacity over TWDB reservoirs within 150 km. Texas only; elsewhere USGS reservoir elevation/storage is listed without a capacity to normalise by.
Stream gauges #
Surface water layer not loaded
Sites found: 0, searched within 75 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 75 km away are not.
USGS latest readings screened against EPA freshwater criteria (DO ≥ 5 mg/L, pH 6.5–9, conductance, turbidity, temperature); NWS flood categories where a NWPS gauge is co-located.
Groundwater #
No USGS monitoring wells within 75 km (or above 1,500 km)
Sites found: 0, searched within 75 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 75 km away are not.
USGS latest daily water levels. A single latest reading says where the table is, not which way it is moving; select a well for its 365-day trace.
Water stress #
low (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 / 0.35
Banks & federal dollars #
$2.4 bn in deposits at 31 offices of 18 banks (SOD June 2026); HHI 991, unconcentrated. $970.1 m federal obligations in FY2026 (direct payments $623.2 m, contracts $287.0 m), $19,979 per covered job
| Item | Value | Distance |
|---|---|---|
| The Central Trust Bank | $472.4 m · 19.6% share · 5 offices | |
| U.S. Bank National Association | $304.2 m · 12.6% share · 2 offices | |
| Connections Bank | $239.7 m · 9.9% share · 3 offices | |
| Platte, MO | $970.1 m FY2026 · $19,979/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Central Trust Bank | $472,370,000 | 19.6% | 5 |
| U.S. Bank National Association | $304,180,000 | 12.6% | 2 |
| Connections Bank | $239,684,000 | 9.9% | 3 |
| Bank of Weston | $225,408,000 | 9.4% | 3 |
| Commerce Bank | $209,340,000 | 8.7% | 2 |
| Bank of America, National Association | $197,121,000 | 8.2% | 1 |
| North American Savings Bank, F.S.B. | $146,842,000 | 6.1% | 2 |
| UMB Bank, National Association | $144,459,000 | 6.0% | 1 |
| The Nodaway Valley Bank | $83,887,000 | 3.5% | 1 |
| Southern Bank | $66,245,000 | 2.7% | 1 |
Deposit concentration is 991 across 18 banks, which the 1995 Department of Justice bank merger screen calls unconcentrated.
HHI = Σ (share %)² over 18 banks with deposits in the county = 19.6² + 12.6² + 9.9² + … (15 more) = 991
FDIC Summary of Deposits: deposits at every insured office as of June 30, annual; HHI is the sum of squared county deposit shares (DOJ 1995 bank merger screen: 1000 / 1800). USAspending: obligations by place of performance for the latest complete federal fiscal year (Oct 1 to Sep 30), what agencies committed, not what they paid out; recipients are legal entities. Per-job divides obligations by BLS QCEW covered employment.
Federal obligations #
That is $19,979 per covered job, against 48,557 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $970.1 m / 48,557 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $19,979
USAspending obligations are recorded where the work is performed, so a prime award performed here is counted here even when the recipient is headquartered elsewhere. Recipients are legal entities, never people.
National context, not this county #
These are United States, single-gauge, single-state and port series. None of them is keyed to this county.
| Series | Latest | As of | Change |
|---|---|---|---|
| Mississippi River at Memphis, stage · ft | not published | not published | |
| Mississippi River at St. Louis, stage · ft | not published | not published | |
| Ohio River at Louisville, stage · ft | 17.95 | 2026-10-18 | -2.6% |
| Missouri River at St. Joseph, stage · ft | not published | not published | |
| Colorado River below Hoover Dam, flow (Hoover releases) · ft³/s | 5,170.00 | 2026-02-05 | -25.3% |
| Texas reservoirs, statewide percent full · % | 72.20 | 2026-10-19 | +0.0% |
| Laredo truck crossings, monthly · trucks | 258,700.00 | 2026-08-01 | -0.4% |
| Los Angeles + Long Beach container volume, annual · TEU | 10,513,167.00 | 2023-01-01 | -13.5% |
| Containerships waiting for a berth, all US ports · ships | 7.00 | 2026-10-13 | +133.3% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 7,848.00 | 2026-09-01 | +14.9% |
| US diesel retail price · $ per gallon | unavailable | not published | |
| WTI crude oil, spot · $ per barrel | 101.91 | 2026-10-14 | +1.0% |
| 30-year fixed mortgage rate · % | 7.40 | 2026-10-15 | +0.0% |
| Housing starts, annual rate · thousands of units | 1,275.00 | 2026-08-01 | -2.6% |
| Building permits, annual rate · thousands of units | 1,403.00 | 2026-08-01 | -2.1% |
| Case-Shiller US home price index · index, Jan 2000 = 100 | 337.31 | 2026-07-01 | +0.1% |
| Unemployment rate · % | 4.20 | 2026-09-01 | +2.4% |
| US goods and services trade balance, monthly · $ millions | -105,572.00 | 2026-08-01 | -13.7% |
| Retail sales excluding food services, monthly · $ millions | 652,115.00 | 2026-09-01 | +0.7% |
The indicator registry has no county-keyed series and no geographic selection: every entry is national, a named gauge, a single state or a port. They are here as the backdrop the county's own numbers move against, and they are never this county's readings.
What changed #
Platte County, MO: 15 findings, 1 at a watch level and 14 noted
watchPlatte County, MO's typical asking rent of $1,603 scores 58 on the 0-to-100 scale across US counties but 91 across Missouri counties, a gap of 33 points.
Period 2026-09.Show the arithmetic
- 33 = |58 across US counties - 91 across Missouri counties|
position among the entities that published this metric this period; not an official level
notePlatte County, MO's average weekly wage was 2.0% higher than the same quarter a year earlier in 2026 Q1, on BLS QCEW's published over-the-year change.
Period 2026 Q1.Show the arithmetic
- +2 % = BLS QCEW over-the-year percent change for 2026 Q1, as published
- the newest QCEW file carries no year-earlier level, so no move from one level to another is printed
BLS QCEW over-the-year percent change, as published
notePlatte County, MO's covered employment was 0.9% higher than the same quarter a year earlier in 2026 Q1, on BLS QCEW's published over-the-year change.
Period 2026 Q1.Show the arithmetic
- +0.9 % = BLS QCEW over-the-year percent change for 2026 Q1, as published
- the newest QCEW file carries no year-earlier level, so no move from one level to another is printed
BLS QCEW over-the-year percent change, as published
notePlatte County, MO's typical asking rent fell 0.3% from $1,608 in August 2026 to $1,603 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- -0.3% = (1602.8203289701626 - 1608.0016552236061) / 1608.0016552236061 × 100
- 1602.8203289701626 = Zillow ZORI, 2026-09
- 1608.0016552236061 = Zillow ZORI, 2026-08
notePlatte County, MO's typical home value rose 0.3% from $388,161 in August 2026 to $389,181 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- +0.3% = (389180.82068797556 - 388160.80221329356) / 388160.80221329356 × 100
- 389180.82068797556 = Zillow ZHVI, 2026-09
- 388160.80221329356 = Zillow ZHVI, 2026-08
Read all 12 findings in the full brief
Every finding is produced by a fixed rule table and a fixed sentence for each rule. Nothing here is generated prose.